Credit Risk Underwriting Manager
Location
Bangalore | India
Job description
Responsibilities:
- Review and analyze credit applications financial statements and credit reports to assess the creditworthiness of applicants.
- Evaluate the risk associated with each credit application and make recommendations for approval or denial.
- Follow established underwriting policies and procedures to ensure consistency and compliance.
- Stay informed about industry trends market conditions and changes in underwriting guidelines.
- Assess various risk factors including credit history income debttoincome ratio and collateral value.
- Utilize risk models and scoring systems to make objective and consistent credit decisions.
- Communicate credit decisions to applicants and when necessary provide explanations for denials.
- Collaborate with sales and customer service teams to address inquiries and provide guidance on creditrelated matters.
- Maintain accurate and complete records of credit decisions including supporting documentation.
- Ensure compliance with documentation requirements and regulatory standards.
- Work with customers to obtain additional information or clarification on credit applications.
- Provide exceptional customer service by addressing inquiries and concerns professionally and promptly.
- Participate in ongoing training to stay updated on industry best practices and evolving underwriting standards.
- Identify opportunities for process improvement and contribute to the enhancement of underwriting practices.
Qualifications:
- Bachelors degree in Finance Business Economics or a related field.
- 5 years of experience in credit risk underwriting.
- Strong analytical and problemsolving skills.
- Familiarity with credit scoring models and underwriting software.
- Knowledge of relevant regulations and compliance standards.
- Excellent communication and interpersonal skills.
- Detailoriented with the ability to manage multiple tasks efficiently.
- Ability to make sound credit decisions based on comprehensive analysis.
underwriting,risk,customer service
Job tags
Salary
